Methods of payment
You can shop safely with us. On this page, you'll find information about the payment methods available on havuwatches.com.
Payment Service Provider
As the provider of payment initiation services and payment service provider, Paytrail Oyj (2122839-7) collaborates with Finnish banks and financial institutions. Paytrail Oyj will appear as the recipient on your bank statement or credit card bill and will forward the payment to the merchant. Paytrail Oyj holds a payment institution license. In case of complaints, please contact us primarily by email at info@havuwatches.com.
Paytrail Oyj, Business ID: 2122839-7
Innova 2
Lutakonaukio 7 40100 Jyväskylä
Phone: 020 718 1830
Paytrail offers the following payment methods:
- Paytrail
Additionally, PayPal and Klarna payment methods are available.
Walley Invoice/Installment
Flexibility and choice - pay in full or in installments at your own pace.
Invoice and a credit account provide you with more time to pay for your online purchases. By using them, you can wait for your order to arrive before paying. You can make the payment either in full with an invoice or in smaller installments with a credit account, allowing you to pay a monthly amount that suits you best and spread the payment over a maximum of 36 months.
Invoice provides you with 45 days of interest-free payment time for your online purchases. The long payment period allows you to check your purchase and return it if necessary before the invoice due date.
To take advantage of the payment period, you need a positive credit decision, which is easy to apply for during the purchase process. You can apply if you are at least 18 years old and have a Finnish personal identity code and a permanent, official address in Finland. Your credit information will also be checked from the Bisnode Finland Oy register.
The payment method can be used for purchases of up to €5,000.
Once you have received a positive credit decision and confirmed the purchase transaction, you will receive an invoice for your purchase via email. If you wish to pay in smaller installments and with a payment period that suits you better (1-36 months), you will need to sign a continuous credit agreement with Collector Bank AB by logging in to your own page at my.walley.fi. When signing the credit agreement, you will be granted a credit limit that is available for later purchases according to the credit terms.
With a valid credit agreement, you only need to pay the minimum amount mentioned on the invoice by the due date, but you can also pay a larger amount if you wish. After that, you will receive a monthly account statement by email until the credit is fully paid off. You can always choose to repay your credit in larger amounts than the minimum amount mentioned on the account statement.
Costs and credit example: In the Havu Watches online store, campaign terms apply, with a nominal annual interest rate of 19.2% for the credit account and a monthly fee of €2.95 (€3.80 on the first invoice). If the granted credit limit is €1,000 and it is fully used for purchases from the Havu Watches online store and the credit is repaid over 36 months, the effective annual interest rate is 28.6% according to the campaign terms, the total credit costs are €403, the total amount payable is €1,403, and the number of installments is 36. Late payments will incur statutory reminder fees and collection costs, as well as interest on the overdue amount.
Credit Terms
The issuer of the invoice and credit is Collector Bank AB, organization number 556597-0513, which is the registered owner of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39.
More information at www.collector.fi
You will find the complete terms and information about Walley Invoice and Credit from the following links:
Detailed service description: https://www.walley.fi/asiakaspalvelu/
General invoice and credit terms: https://cdn.walleypay.com/terms/Terms_FI.pdf
Standard European Consumer Credit Information: https://cdn.walleypay.com/terms/SECCI_FI.pdf
Jousto Invoice and Installment
Jousto Invoice and Installment is a Finnish service that allows you to make your purchases quickly and securely. Jousto is intended for individuals who have managed their finances correctly.
With Jousto, you get 30 days of interest-free payment time. A €2.90 billing fee is added to the purchase. Upon receiving the invoice, you can decide whether to pay it in full or in installments. With installment, you can pay for your purchase in up to 36 installments, starting from €9.90/month. The costs for Jousto installment are €3.90/month and a credit interest rate of 19.90%. You can use Jousto to pay for purchases ranging from €30 to €3,000.
Shopping with Jousto is secure. When making your first purchase, you perform a strong electronic identification. As a returning customer, you can easily authenticate yourself with a one-time code sent to your phone. With each purchase, we make a real-time and automated credit decision. The payment transaction and data transmission always take place in a secure connection. The invoice is delivered by email. The credit provider is Aurajoki Nordic Oy.
Read more about Jousto at www.jousto.com.
Jousto - the most comfortable payment method for online shopping!
Paypal
PayPal is an international and secure payment intermediary service. PayPal is a free payment option that allows you to pay without registration. With PayPal, you can pay with major credit cards such as Visa, MasterCard, American Express, or Discover.
You can also register with PayPal and make transfers through your PayPal account. Paying via PayPal is easy, fast, and free.
For information on PayPal payment and online shopping:
https://www.paypal.com/fi/webapps/mpp/pay-online
Information on the PayPal User Agreement:
https://www.paypal.com/fi/webapps/mpp/ua/useragreement-full
Klarna
Split payments
Payment is divided into several installments. Klarna checks the creditworthiness of the buyer at the time of purchase. The decision to grant credit is always made by Klarna.
Pay later
Klarna sends you a bill for the product. Klarna checks the creditworthiness of the buyer at the time of purchase. The decision to grant credit is always made by Klarna. For this, Klarna requires your personal identification number, but you do not need to provide credit card information. Payment time without charges is 30 days.
Klarna terms
https://www.klarna.com/fi/ehdot/
For questions regarding invoices and payment terms, you can contact Klarna's customer service at https://www.klarna.com/fi/tuki